近年来经常发生海外华侨及留学生丢失后的身份证被人拿去银行开户,甚至用来做一些非法的勾当!直到身在海外的人回了国,才发现名下突然多了个银行账户,甚至还在国内“开公司”,还有可能面临上百万元的贷款和罚单。

中国央行3月21日宣布,将开展失效居民身份证信息和非居民身份证件信息核查。自2018年4月9日起,在天津市、山西省、福建省的中国工商银行、中国银行、中国建设银行开展失效居民身份证信息核查试点工作;在上海市、福建省、深圳市、珠海市的中国工商银行、中国银行、招商银行开展港澳居民来往内地通行证、台湾居民来往大陆通行证和外国人永久居留身份证的信息核查试点工作。

人民银行表示,下一步将总结试点经验,不断扩大联网核查业务范围,提升系统运行能力,逐步将试点推广到全国。

什么是“失效居民身份证信息” ?

根据央行发布的通知,这里的失效身份证就是指丢了、挂失了、过期了或者其他情况失效了的身份证。具体而言,如银行核查的是个人已向公安机关申报丢失的居民身份证,联网核查系统将反馈“证件已挂失”;如个人因姓名变更、证件损坏、登记项错误、有效期满等原因已到公安机关换领了新证,而银行核查的证件仍为旧证的,联网核查系统将反馈“证件已失效”。
根据通知,目前此次核查尚处试点阶段:将首先在客户办理单位和个人银行结算账户开立、变更、撤销时进行,办理其他业务时无需进行失效居民身份证信息和非居民身份证件信息核查。后续央行将根据试点情况在其他银行业务推广身份信息核查。

The new rules for Chinese ID cards are coming!

In recent years, overseas IDCs and international students who lost their ID cards have often been taken to the bank to open accounts, and even used to do some illegal activities! It was not until overseas people came back to China that they suddenly discovered that they had more bank accounts in their name, and even “opened the company” in China. They could also face millions of yuan in loans and fines.

The People’s Bank of China announced on March 21 that it will carry out verification of invalid resident identity card information and non-resident identity card information. Since April 9, 2018, ICBC, Bank of China, and China Construction Bank in Tianjin, Shanxi Province, and Fujian Province have carried out pilot verification of invalid identity card information; in Shanghai, Fujian, Shenzhen, and Zhuhai The city’s Industrial and Commercial Bank of China, Bank of China, and China Merchants Bank carried out pilot inspections of information on Hong Kong and Macao residents’ inbound and outbound travel passes, Taiwan residents’ passes to and from mainland China, and permanent residence permits for foreigners.

The People’s Bank of China stated that the next step will be to summarize the pilot experience, continuously expand the scope of the online verification business, improve the system’s operating capability, and gradually extend the pilot to the whole country.

What is “invalid resident ID information”?

According to the notice issued by the Central Bank, the invalidated identity card here refers to an ID card that has been lost, reported missing, expired, or has otherwise failed. Specifically, if the bank verifies that the individual has declared the missing resident identity card to the public security agency, the online verification system will give feedback that “the document has been reported lost.” If the individual has changed the name, the document has been damaged, the registration item is incorrect, the validity period has expired, etc. New certificates were obtained from the public security organs, and the documents verified by the bank are still old ones. The online verification system will give feedback that the documents have expired.

According to the notice, the current verification is still in the pilot phase: it will be conducted first when the customer’s bank and settlement account settlement account are opened, changed, and withdrawn, and there is no need to check for invalid resident identity card information and non-resident identity card information when conducting other services. . Subsequent central banks will verify identity information in other banking services based on pilot conditions.